Brahim Abounafaa

Responsible for the effectiveness and the enhance of the relationship for the corporate clients, existing and new

Since 2012 BMCE BANK, Morocco
Corporate Relationship Manager
Responsible for the effectiveness and the enhance of the relationship for the corporate clients,
existing and new.
Establish new borrowing relationships for Business Banking, preparing the required credit and financial
analysis as per the bank policies and procedures to enhance the bank's market share;
Manage the existing loan portfolio to ensure establishment of appropriate account plans; recommend credit
facilities in line with Bank credit policy to maximize earnings while containing risks to an acceptable levels;
Responsible for actively cross-selling and targeting new business in order to maximize the income
contribution;
Prepare an accurate credit proposals and follow-up security and mandate issues effectively in order to maintain high quality lending practice;
Actively cross-sell a variety of banking products including Payments and Cash Management, Insurance, Trade
Finance, Investment Banking, Treasury and promote products and services of Financial Services;
Independently manage and support a Trade portfolio by performing strategies, action plan, implementation and all affiliated functions for a complex technical customer
Performing the different trade product related to the Letters of Credit, Documentary Collections, Export
Advising, Payments, Negotiations, Bankers Acceptances, Syndications, Transfers, Supply Chain Finance,
stock finance and other related transactions for a specific customer base;
Coach, train, and lead new team members; keep team knowledgeable of all changes to the business line;
Analyze and come up with profitable and suitable strategy for foreign company which fulfill their needs in cash management and working capital improvement
Prepare and perform the economic and financial analysis and well present it to the Bank Leadership team and foreign company top management

2007-2012 SOCIETE GENERALE, Morocco
Relationship Manager
Implementation of the new borrowing relationships for Business Banking (SME & big companies), preparing the required credit and financial analysis as per the bank policies and procedures to enhance the bank's market
share;
Spread and analyze financial statements, preparation of credit application, documentation & post-sanction
monitoring through periodic account review/renewal;
Manage the existing loan portfolio to ensure establishment of appropriate account plans; recommend credit
facilities in compliance with Bank credit policy to maximize earnings while containing risks to an acceptable
levels;
Develop and maintain strong working relations with all existing clients at key levels to optimize the utilization of approved facilities;
Implement and maintain complete control aspects i.e. financial analysis of statements of accounts,
documentation, periodical client visits, call reports;
Executed wire transactions, transfers of money, foreign drafts, loan closings and bookings.
Analyze customer needs and deliver structured end-to-end trade solutions;
Create a business case for Trade and Assist in developing the Trade strategy;
Structuring Trade deals in partnership with Trade team
Assistant branch Manager ( Branch Moulay youssef- 6 month)
Managing all branch activities with a primary emphasis on selling and servicing deposit accounts, consumer
loans and all business and investment opportunities;
Support Relationship Managers in all phases of underwriting including pre Credit Presentation Summary
(CPS) analysis, conceptual structuring, financial and market analysis;
Responsible for management, development and coaching of a professional sales and service team; also
identified sales trends and opportunities for the banking center;
Acted as Branch Compliance liaison; attended monthly branch operations meetings to keep branch and staff in compliance with all new andbank policies and procedures

2007 BNP PARIBAS, Morocco
Relationship Manager
Managing all Front and back-office operations;
Establish new borrowing relationships for Business Banking (SME), preparing the required credit and financial analysis as per the bank policies and procedures to enhance the bank's market share;
Identify new business banking clients; utilized research and sales skills to meet business needs and make
product recommendations to new and existing business customers.
Knowledge of Patriot Act, Bank Secrecy, banking Regulations, account opening procedures and documentation, branch operations, loan application process and closing packages;
Execute wire transactions, transfers of money, LCs, Export advising, foreign drafts, loan closings and bookings and others.
Excellent customer service skills; face-to-face daily interaction with various customers, follow up with customers to ensure customer satisfaction and identify any further needs;
Successfully cultivated beneficial relationships across business lines including Business Banking, Mortgage
Banking and Financial Securities to identify prospective clients.

ACHIEVEMENT
Win over and bring the strongest multinational companies by the set up of the profitable borrowing
plans and restore the local bank conception in their global primary banks
Involvement and implementation of a relevant modality of trade solutions (Supply chain finance,
stock finance, )
Partner leader in big companies investments' plans